PNB MetLife Mera Heart & Cancer Care

Cover yourself against Heart Diseases and Cancer along with a life cover with PNB
MetLife.

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Heart & Cancer Care with Return of premium (net of claims paid)

Why our Heart & Cancer Care Insurance plan?

We understand that every individual is unique. Our comprehensive health insurance plan is designed to protect you against the medical costs of two leading health ailments along with a life insurance cover.

Made for you, by you

This health plan offers multiple ways of customizing your coverage basis your needs. You can choose to cover both or any one disease, choose monthly income benefit, and also choose if you want Return of premiums (net of claims paid) or not.

Comprehensive health and life cover

This Plan allows for a comprehensive coverage against terminal illness and death from day 1, along with protection against all stages of cancer and heart diseases.

Compliment your mediclaim plan

While most mediclaim plans cover only the hospitalization expenses; this plan will provide lumpsum amount to take care of pre & post hospitalization expenses ensuring you focus only on treatment and not worry about the financial costs.

Return of Premium

If this feature is opted for, all unclaimed premium amount due from the policy will be refunded to the insured person’s account on policy expiration.

No survival clause

The plan does not require the insured to stay alive for any mandatory period of time from the date of diagnosis for the benefit to be paid out.

Payout based on illness criticality

The plan provides stage-wise payouts on illnesses based on its criticality.

Why PNB MetLife?

PNB MetLife brings together the financial strength of a leading global life insurance provider, MetLife, Inc., and the credibility and reliability of PNB, one of India's oldest and leading nationalised banks. Some reasons why you should partner us

Serving more than 100+ million people for 147+ years

Founded in 1868, MetLife has served approximately 100 million customers globally. PNB, founded in 1895, is a banking giant and has always been a people's bank. PNB Metlife has been present in India since 2001.

Over 342,017 Crores worth of lives Covered4

We have given protection and assured coverage for lives amounting to more than 354,693 crores in India.
4 Total Base Sum Assured for Group & Individual policies as on June 30, 2017

Strong Branch Network
7000+

PNB MetLife is present in over 111 locations across the country and serves customers in more than 7,000 locations through its bank partnerships.

Consistent and Profitable Company

Among the few profitable life insurance companies operating in India, consistently profitable for the last 7 Financial Years55 Public disclosures on company website

Your Questions, Answered

What is the PNB MetLife Mera Heart & Cancer Care?

What is the PNB MetLife Mera Heart & Cancer Care?

PNB MetLife Mera Heart and Cancer Care is a tailor made plan to provide you with comprehensive cover against different stages of cancer and heart diseases.

Why should I buyPNB MetLife Mera Heart & Cancer Care?

Why should I buyPNB MetLife Mera Heart & Cancer Care?

PNB MetLife Mera Heart and Cancer Care specifically addressesthe need for protection against two of the most common diseases amongst Indians – and promises to provide coverage against different stages of the illness.

While other health plans terminate after one claim, this plan allows you to claim multiple times. Additionally, you can customize your coverage by choosing your cover (Heart/Cancer/Heart and Cancer), plan (Gold/Platinum), policy term (10 years/15 years/20 years), return of premium (net of claims) You also get in-built life and terminal illness cover, right from day 1 and there is no survival period for claiming benefits.

What are the Plan Options available for this product?

What are the Plan Options available for this product?

You can customize your plan by choosing either Gold or Platinum plan.
If gold plan is chosen, your policy terminates after the severe claim. If platinum plan is chosen, you get additional monthly income equivalent to 1.5% sum insured monthly for a period of 5 years.

What is the discounted Premium on higher Sum Assured?

What is the discounted Premium on higher Sum Assured?

Your premiums will be discounted if you choose sum insured above Rs 10 lakh. The discount varies depending on the sum insured chosen. Please refer the sales brochure for more details

What are the Premium paying frequencies available for this Plan?

What are the Premium paying frequencies available for this Plan?

You can choose to pay your premiums on a yearly, half-yearly or monthly basis. For monthly mode, only credit card with mandatory standing instruction is allowed.

If I don't claim any amount, what will happen?

If I don't claim any amount, what will happen?

If you have chosen ‘Return of premiums (net of claims paid)’ option, and you stay healthy throughout the term of the policy, you will get your premiums back.
Even if you have made a claim, but the claim amount paid to you is lower than the premiums paid by you – we will refund the balance of your premiums back.
In case you haven’t chosen ‘Return of premiums (net of claims paid)’ option, the plan will terminate on expiration of the policy term.

How will the Claim Payout happen for this plan?

How will the Claim Payout happen for this plan?

When you make a claim under this plan, provided you fulfil the claims requirement, we will pay out the claim amount . Please refer the policy document for an understanding on which documents are required during claims.

What is the minimum & maximum cover that I can opt for this plan?

What is the minimum & maximum cover that I can opt for this plan?

You can opt for a minimum of Rs 5 lakh if choose Heart cover or Cancer cover which can go up to a maximum of Rs 40 lakh. In case Heart and Cancer cover is chosen, the sum insured can range between Rs 10 lakh to Rs 80 lakh

I already have a mediclaim, why do I need a separate cancer or heart plan?

I already have a mediclaim, why do I need a separate cancer or heart plan?

While it is advisable to have a mediclaim policy, you should objectively assess the limitations of such a plan.
Most mediclaim plans have low coverage limits and have yearly renewable premiums. Further plans reimburse your expenses only upon hospitalization and upon submission of actual hospital bills.
You need a plan to cover you specifically against the diseases that cause a massive financial outgo – hence you should choose a plan like ‘PNB MetLife Mera Heart and Cancer Care’

How different is this plan from regular mediclaim policies?

How different is this plan from regular mediclaim policies?

Most mediclaim plans have low coverage limits and have yearly renewable premiums. Further plans reimburse your expenses only upon hospitalization and upon submission of actual hospital bills.
They also enforce a mandatory survival period.
You need a plan that is customizable to suit your needs, and provides you with benefit payouts when you need them, especially against the diseases that cause a massive financial outgo – hence you should choose a plan like ‘PNB MetLife Mera Heart and Cancer Care’

What the list of exclusions in the policy?

What the list of exclusions in the policy?

There is only first year suicide exclusion in case of death.
For critical illness claims, pre-existing conditions, critical illness due to sickness caused or aggravated directly due to alcohol or drug consumption etc. form part of the exclusions
Please refer our sales brochure for details on exclusions

Can an NRI apply for the policy?

Can an NRI apply for the policy?

NRIs can’t apply for this policy

Can husband and wife apply jointly on the policy?

Can husband and wife apply jointly on the policy?

This plan doesn’t offer joint life coverage – however you can apply for two policies – onefor yourself and the other for your wife

Who can be the nominees in the policy?

Who can be the nominees in the policy?

There are no restrictions placed for choosing the nominees under this product, provided ‘insurable interest’ can be inferred

Can a non-working spouse or housewife apply for the policy?

Can a non-working spouse or housewife apply for the policy?

Yes, housewives can also be covered under this product.

Are pre-existing illness covered in this policy?

Are pre-existing illness covered in this policy?

Pre-existing illnesses, for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment within 48 months prior are part of the policy exclusions.

What if I stop paying Premiums?

What if I stop paying Premiums?

If you stop paying premiums,a grace period of 30 days (15 days for monthly mode) will be allowed. If you don’t pay your premiums in full within the grace period, then the Policy will lapse and the insurance cover will cease.
A lapsed policy may be revived, during the Policy Term, within a Revival Period of two years from the date of first unpaid premium by submitting proof of continued insurability.
You will be eligible for a surrender benefit after paying regular premiums for at least three full years from the date of commencement of the policy, in case you have opted for ‘Return of premiums (net of claims paid)’. Please refer our sales brochure for more details.
Surrender benefit is payable only if with return of premium (net of claims paid) option is chosen.

How can I revive my Policy?

How can I revive my Policy?

A lapsed policy may be revived, during the Policy Term, within a Revival Period of two years from the date of first unpaid premium by submitting proof of continued insurability. Please refer our sales brochure for more details.

Can I increase the Sum Assured at a later stage?

Can I increase the Sum Assured at a later stage?

No, the plan doesn’t allow changes in the sum assured at a later stage

How soon does a claim get settled?

How soon does a claim get settled?

The time taken to settle a claim largely depends on the kind of claim that is admitted, it is very hard to generalize the number of days in which the claim will be paid out. However, if you provide all documents that are required for processing the claim, then the claims are processed swiftly.
We have a composite claim settlement ratio of 91% as of 2015-16

What is the procedure for claiming Terminal illness benefit?

What is the procedure for claiming Terminal illness benefit?

Terminal illness benefit can be claimed with the following documents:
• Complete set of Investigation reports and medical case papers confirming origin and diagnosis.
• Medical opinion of two independent medical practitioners specialized in same filed and registered with IMA confirming that life expectancy is no greater than 12 months.
• Original policy document.
• Cancelled cheque or bank statement
• Any other documents which the company decides to call upon including independent assessment.
• Completed claim form

Can my claim be rejected on some grounds?

Can my claim be rejected on some grounds?

Some of the common reasons for rejection of claims are:
• Not fitting into disease definition
• Non- disclosure of previous medical history
• Non- disclosure of correct income, age or profile
• Exclusions mentioned in policy T&C(section 6.9)

Can I opt for this plan if I have pre-existing cancer?

Can I opt for this plan if I have pre-existing cancer?

If you have a pre-existing condition, for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice / treatment within 48 months prior – then it forms part of the policy exclusions

Can I opt for this plan if I have pre-existing heart disease?

Can I opt for this plan if I have pre-existing heart disease?

If you have a pre-existing condition, for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice / treatment within 48 months prior – then it forms part of the policy exclusions

Can I opt for this plan if my parents have Cancer?

Can I opt for this plan if my parents have Cancer?

Yes, you can apply even if your parents have cancer. This is not a cause for outright rejection – however that might come into consideration while underwriting the policy. Hence it’s always advisable to disclose your full medical history to ensure smooth payment of claims.

Can I opt for this plan if my parents have heart ailment?

Can I opt for this plan if my parents have heart ailment?

Yes, you can apply even if your parents have heart ailment. This is not a cause for rejection; however you would have to undergo medicals and disclose your medical history in full – for the policy to be underwritten adequately.

Can I opt for this plan if I consume tobacco?

Can I opt for this plan if I consume tobacco?

Yes, you can, provided tobacco consumption is within limits allowed under the plan

Can 2 different claims under the minor stage would be admissible?

Can 2 different claims under the minor stage would be admissible?

Only one claim is permissible under each of these stages for Heart cover/Cancer cover. If Heart and Cancer cover is chosen, then one claim each would be admissible for Heart cover and Cancer cover under each of the stages.

What is the waiting period for one to get the claim?

What is the waiting period for one to get the claim?

There is an initial waiting period of 180 days from the date of commencement of the policy or from the date of revival of the policy for the diagnosis & for valid claim to be admissible under this plan.
There is no mandatory survival period between the date of diagnosis of a condition and the date of eligibility for a benefit payment under this plan.
There is no waiting period in case of death.

What if I missed my premium due date?

What if I missed my premium due date?

If you stop paying premiums,a grace period of 30 days (15 days for monthly mode) will be allowed. If you don’t pay your premiums in full within the grace period, then the Policy will lapse and the insurance cover will cease.

Will the premium remain same for the entire term?

Will the premium remain same for the entire term?

Premium rates are guaranteed for a period of 5 years from commencement of the Policy. However, the premium rates are reviewable at every five Policy Years at the Policy Anniversary, after prior approval from the IRDAI.

What Our Customers Say

"PNB MetLife Products are made keeping safety and utility in mind making it very helpful to my family. "

Roohi KaushalPunjab

"My premium gets paid directly from the bank & I get a confirmation of it, making it a hassle free process."

"PNB MetLife Plan is beneficial to my family in case of an unfortunate event."

SatishHaryana

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